MTN MoMo Ghana customer care — every channel that actually answers
To reach MTN MoMo in Ghana: dial 100 from any MTN number (free), or +233 244 300 000 from another network. Email customerservice@mtn.com. For fraud — lost funds, SIM swap, agent scam — MTN's Cyber Security line is dedicated. Here are all the channels and when to use which.
✓ Verified June 2026.Figures from live operator tariffs; operators may revise their schedules.
The official MTN MoMo Ghana channels
- Call — free from MTN: 100. Available 24/7. The fastest channel for emergencies (fraud, lost SIM, blocked wallet).
- Call — from another network: +233 244 300 000. Your operator's normal rate. Same team as 100.
- Email: customerservice@mtn.com. Reply in 24-48 business hours. Best for complaints with attachments.
- In-branch: MTN service centres in all major cities (Accra, Kumasi, Takoradi, Cape Coast, Tamale and more). Bring your Ghana Card and phone.
- Accredited MoMo agents: For KYC, simple PIN reset, activation. Not for complex disputes — they will redirect you to customer care.
- MTN MoMo app: In-app chat on recent versions. Slower than phone but documented trail.
Which channel for which problem
- Fraud / money sent to wrong number / SIM swap: 100, IMMEDIATELY. Recovery depends on reaction speed.
- Forgot PIN / blocked: 100 or service centre (both work, branch is faster during business hours).
- Question on a tariff or transaction: email (documented reply) or MoMo app (chat).
- KYC upgrade / profile change: service centre (with Ghana Card).
- Complaint about an overcharging agent: 100 + email with proof (confirmation SMS).
- Unresolved dispute: escalate to NCA (telecom regulator) or Bank of Ghana (financial regulator).
Security: what MTN NEVER does
MTN will NEVER ask for your PIN, by phone, SMS, WhatsApp or email. MTN will NEVER ask you to transfer money to another number 'for verification'. MTN will NEVER ask for your Ghana Card or its details by phone. If someone claiming to be MTN does any of these, it is a scam — hang up and report by calling 100 yourself.
Frequently asked questions
How do I call MTN customer care in Ghana?
100 from any MTN number — free. From another network (Telecel, AT, landline), dial +233 244 300 000. Available 24/7 for emergencies (lost SIM, fraud, account blocked) and during business hours for general questions.
How much does a call to 100 cost?
Free from any MTN number. Included in the service — no charge, even if you call several times a day. From another network or a landline, the call to +233 244 300 000 is billed at your operator's normal rate.
How do I report MoMo fraud?
Call 100 immediately (within the hour after the fraud to maximise recovery chances). Describe: what happened, the transaction number, the amount. MTN opens a case and can freeze the recipient's wallet if they have not yet withdrawn. See also our reversal page.
Is the email customer service quick?
The email channel (customerservice@mtn.com) typically replies within 24-48 business hours. Useful for non-urgent questions, long complaints needing attachments (screenshots, SMS, invoices). For anything money-movement urgent — use the phone.
What do I do if the 100 agent does not solve my problem?
Explicitly ask for escalation to a supervisor ('supervisor' or 'manager'). If phone escalation fails, go in person to an MTN service centre — branch agents often have more operational authority than call-centre agents. For unresolved cases, you can also contact the NCA (Ghana telecom regulator) or the Bank of Ghana (financial regulator).
What is the main risk of calling 100?
Impersonation scams. Ghanaian fraudsters call from numbers resembling 100 or claim to be MTN, asking for your PIN 'to verify your identity'. MTN NEVER asks for the PIN. If the caller insists, hang up and call 100 yourself.